CPF interest rates stay unchanged for January to March 2026

Separately, the Basic Healthcare Sum (BHS) for 2026 will be set at $79,000.

CPF interest rates will remain unchanged for the period from 1 January to 31 March 2026, according to an announcement by the Central Provident Fund Board.

The Ordinary Account (OA) will continue to earn 2.5% per annum, whilst the Special Account, MediSave Account and Retirement Account (SMRA) will earn 4% per annum.

The CPF Board said these rates apply because the relevant pegged benchmark rates remain below the legislated interest-rate floors. SMRA interest rates are pegged to the 10-year Singapore Government Securities yield plus 1%.

The HDB housing loan interest rate will remain at 2.6% per annum, as it is pegged at 0.1 percentage point above the OA interest rate.

CPF members will continue to receive additional interest on their savings. Members below 55 will earn an extra 1% on the first $60,000 of combined CPF balances, with up to $20,000 from the OA eligible.

Members aged 55 and above will receive an additional 2% on the first $30,000, and 1% on the next $30,000, again with the OA portion capped at $20,000. The CPF Board said these extra interest payments also apply to CPF LIFE members, based on their combined balances.

Separately, the Basic Healthcare Sum (BHS) for 2026 will be set at $79,000. This will apply to CPF members below 65, as well as those who turn 65 in 2026, after which their BHS will remain fixed at that level.

Members aged 66 and above in 2026 will not be affected, as their cohort’s BHS has already been fixed.

The CPF Board noted that all interest rates are quoted on a per annum basis and that the BHS is reviewed annually by the Ministry of Health.

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